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New Contributor
saaws
Posts: 60
Registered: ‎09-02-2010

Hillarious Response from Capital One Backdoor Number

[ Edited ]

So I've had my regular Captal One Platinum Visa for over 2 and a half years, and my CL was stuck at $500. So I finally got fed up with it and called the backdoor number and this is how it went.

 

Me: I had this card for over 2 years and the credit limit remained stuck at $500. I am not sure if I want to keep the card with such small limit.

Manager: Ok let me review the account. oh you are enrolled in credit steps... oh wait that was back in 2008. Stay on the line for a moment

Me: (Waiting for a few minutes)

Manager: Unfortunately there's nothing I can do for you right now. I went through all the possible loopholes. all I can reccomend is,make a big purchase

and pay it off a few times a month, you can do that up to 4 times per month, to make your account more noticeable. I cannot guarantee anything though.

Me: That doesn't really help.

Manager: Why don't you try and apply for a credit card from other big lending companies and use your capital one card as a fallback card.

Me: Uh, ok. Seriously?

 

Yes people, Capital one manager actually recommended me to get a card from another company.

:smileyvery-happy: Don't worry Capital one, I already got a Chase Visa Signature at $5K limit and other cards.

 

P.S. Actually The Cap one card has 5.9% apr for purchase/BT.  Maybe if I transferred $500 a couple times from Chase to Capital one and paid it off instead of Paying to Chase directly maybe that might do it? :smileytongue:

EQ 734 (2010/09) 680 (2011/08) 700 (2012/04) 701 (2013/01) | EX 737 (2011/09 AMEX) | TU 755 (2010/09) 721 (2011/09)
Amex Platinum NPSL / Blue Cash Preferred $10K | BofA Visa $9K | Discover More $8.5K | Cap1 Best Buy MC $7K | Chase Ink Bold $12.5K / Sapphire Preferred $5.5K / MileagePlus Select Visa $5K / Freedom $2K | Dell Store $3K
Frequent Contributor
daboss28
Posts: 483
Registered: ‎06-07-2010

Re: Hillarious Response from Capital One Backdoor Number

Nice ... was his name Becky?

EQ 715 8-4-12 // Walmart TU 720 8-11-12 // TU 04 744 (cc pull) 8-23-12 EXP (cc pull) 707 8-23-12
~~In my wallet: Chase Freedom, Discover More , US Bank, Walmart Discover, CitiDividend Platinum Select , Target Red Card

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Established Contributor
Breakthecycle2
Posts: 785
Registered: ‎09-15-2008

Re: Hillarious Response from Capital One Backdoor Number

 


daboss28 wrote:

Nice ... was his name Becky?


You're thinking of Peggy.

 


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Current Score: 690
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Frequent Contributor
daboss28
Posts: 483
Registered: ‎06-07-2010

Re: Hillarious Response from Capital One Backdoor Number

ahhh ... yes I was      :smileywink:

EQ 715 8-4-12 // Walmart TU 720 8-11-12 // TU 04 744 (cc pull) 8-23-12 EXP (cc pull) 707 8-23-12
~~In my wallet: Chase Freedom, Discover More , US Bank, Walmart Discover, CitiDividend Platinum Select , Target Red Card

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Valued Member
Divanator
Posts: 72
Registered: ‎07-14-2009

Re: Hillarious Response from Capital One Backdoor Number

Now that's funny! I assume since you've had it for 2 years you have been using it regularly? So if you're account wasn't noticed then, why would it be noticed later?


Starting Score: (5/25/10) TU: 599, EQ: 592, EX: 566
Current Score: (9/24/10) TU FICO: 619, EQ FICO: 611, EX (Plus Score as of 9/23/10) 650
Goal Score: 700 and beyond!


Senior Contributor
john398
Posts: 3,513
Registered: ‎01-19-2009

Re: Hillarious Response from Capital One Backdoor Number

Maybe you should try pre approval for a new captial one card and when your approved ask them to combine accounts

here is the link for pre approval, its just a soft inquiry I heard

go to capitalone.com  and choose credit cards at the top menu than see if I am pre qualified

 

New Contributor
saaws
Posts: 60
Registered: ‎09-02-2010

Re: Hillarious Response from Capital One Backdoor Number

Already tried the pre-approval.. guess what I ended up with? 3 inquiries on all 3 credit reporting agencies without the new card - because they didn't want to approve me for another Capital one card. :smileymad:

EQ 734 (2010/09) 680 (2011/08) 700 (2012/04) 701 (2013/01) | EX 737 (2011/09 AMEX) | TU 755 (2010/09) 721 (2011/09)
Amex Platinum NPSL / Blue Cash Preferred $10K | BofA Visa $9K | Discover More $8.5K | Cap1 Best Buy MC $7K | Chase Ink Bold $12.5K / Sapphire Preferred $5.5K / MileagePlus Select Visa $5K / Freedom $2K | Dell Store $3K
Senior Contributor
john398
Posts: 3,513
Registered: ‎01-19-2009

Re: Hillarious Response from Capital One Backdoor Number

Wow sorry for the bad advice

Frequent Contributor
BrandonSS
Posts: 342
Registered: ‎08-31-2010

Re: Hillarious Response from Capital One Backdoor Number

 


saaws wrote:

Already tried the pre-approval.. guess what I ended up with? 3 inquiries on all 3 credit reporting agencies without the new card - because they didn't want to approve me for another Capital one card. :smileymad:


Uh, you shouldnt have any hard inquiries if you did only the preapproval page.  I just went through this 3 weeks ago and i received no hard hits until I actually applied for the card.

 

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
New Contributor
saaws
Posts: 60
Registered: ‎09-02-2010

Re: Hillarious Response from Capital One Backdoor Number

It said I was preapproved for No hassle Cash back. So I tried and got turned down

EQ 734 (2010/09) 680 (2011/08) 700 (2012/04) 701 (2013/01) | EX 737 (2011/09 AMEX) | TU 755 (2010/09) 721 (2011/09)
Amex Platinum NPSL / Blue Cash Preferred $10K | BofA Visa $9K | Discover More $8.5K | Cap1 Best Buy MC $7K | Chase Ink Bold $12.5K / Sapphire Preferred $5.5K / MileagePlus Select Visa $5K / Freedom $2K | Dell Store $3K

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